* Terms and Conditions Apply - Rate referenced above is an initial rate and is based on available rates from our lender network as of September 19, 2013 for a 5/1 adjustable rate refinance, a loan amount of $240,000 in California, 2.291 discount points, at least 20% equity in the subject property, a single-family home, primary residence, minimum 740 credit score and verifiable income for the borrower(s). Rates mentioned in any advertising are based on a sampling of available rates from our lender network. RefinanceMortgage.com is not a lender. Specific rates and terms offered to our applicants by specific lenders and providers within the network may vary, though our lenders and providers understand they are in a competitive environment and offer highly-competitive rates directly to our applicants. Rates are subject to change daily without notice. Not available in all states. Payment amounts shown include principal and interest and do not include taxes or insurance. After the initial 5-year fixed rate period, the interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment.